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counseling, money management education and other outreach services to the community. All counselors are certified by the National Foundation for Credit Counseling and the North Carolina Association of Housing Counselors providing counseling for pre-purchase, mortgage default, delinquency, reverse mortgages, savings and investment and credit counseling. CCAP assisted 2995 clients during the FY 99/2000 grant period. They held monthly homeownership workshops, with an attendance of 756. Of that 756, 82 people became homeowners.

Elizabeth City State University Elizabeth City, NC $26,145 Elizabeth City State University has an experienced staff of Certified Housing Counselors providing free counseling services to the residents of the North Carolina counties of Pasquotank, Camden, Chowan, Currituck, Perquimans and Gates. Counseling sessions are held at the agency office, participating churches and community centers throughout the service area. High levels of poverty exist in the areas served. Clients are counseled concerning home ownership, tenants rights, evictions and foreclosures, etc. Counseling is also offered relative to high cost mortgages (predatory lending) pursuant to a new law requiring such counseling prior to these mortgages being closed. Elizabeth City State University will use this year’s grant to further its mission of providing counseling that includes (but is not limited to) First Time Homebuyers Program, Renter’s Rights, Fair Housing, Default and Foreclosure Avoidance, Home Improvement and Rehabilitation, Predatory Lending and Disaster Relief from Hurricane Floyd.

The Northwestern Regional Housing Authority Boone, NC $31,646 The Northwestern Regional Housing Authority, Boone, North Carolina was founded in 1979 and serves seven counties in the northwestern part of North Carolina. They provide effective pre-purchase education and counseling for first time homebuyers across the region. A rental library containing homebuyer educational materials from HUD, Nations Bank, and the Federal Home Loan Bank is maintained for their clients. Mortgage default counseling is provided, as well as on-going rental advice and assistance which is provided for over 2,000 low and moderate-income families in the seven county areas.

Davidson County Community Action, Inc. Lexington, NC $4,146 Davidson County Community Action, Inc., (DCCA) Lexington, North Carolina has provided various housing counseling services to the Davidson County community since 1965. They have provided counseling to clients involving rental and mortgage delinquencies. DCCA has also interceded on behalf of their clients preventing evictions and foreclosures. The agency will continue to address the housing counseling needs of the community through their counseling programs and their partnerships with other agencies, churches and civic groups.

Sandhills Community Action Program, Inc. (SCAP) Carthage, NC


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